Las Picaflores Group
Débora was the member interviewed. She is the president of this village bank. In the picture she is in the second row to the right and she is wearing a gray jacket and a coffee colored shirt. Her business consists of making sweat suits, some of which she sells to schools. She also makes costumes, dresses and clothes to order in general and home accessories among other things. She wants to invest this loan in purchasing material, ribbon, lace and thread.
Débora’s big motivation was to economically help her mother who was very sick. Débora continued with her business when she passed away. This helped her a lot in her personal development, together with the workshops and weekly meetings she has with her group at Fondo Esperanza. She was able to overcome this important loss this way.
One of her more immediate goals is to purchase an embroidery machine and her dream is to have an established sewing shop in a central part of the city.
Temuco is the capital of the Araucanía region. The city is located 670 kilometers south of Santiago (capital of Chile). It has a series of marshy spas and very colorful vegetation and wildlife.
It is worth stating that 50% of the mapuches, indigenous people, that exist in our country are living in this region.
La socia entrevistada fue Débora, quien es la presidenta de este banco comunal. En la foto se encuentra en 2º fila, a la derecha y viste chaleco gris y camiseta café. Su negocio consiste en la confección de buzos, los cuales vende para algunos colegios. También confecciona disfraces, vestidos, ropa a pedido en general y accesorios para el hogar entre otros. Quiere invertir este préstamo en comprar géneros, cintas, encajes, blondas e hilos.
La gran motivación de Débora fue ayudar económicamente a su mamá que estaba muy enferma. Cuando falleció, Débora continuó con su negocio, lo cual le ha ayudado mucho, junto con los talleres y reuniones semanales que tiene con su grupo de Fondo Esperanza, en su desarrollo personal, logrando así superar esta importante pérdida.
Una de sus metas más cercanas es comprar una máquina bordadora y su sueño es tener un taller de confección establecido en un lugar céntrico de la ciudad.
Temuco es la capital de la región de la Araucanía. La ciudad se ubica a 670 kilómetros al sur de Santiago (capital de Chile) y posee una serie de balnearios lacustres y una flora y fauna nativa muy llamativas. Cabe destacar que en esta región habita el 50% de los mapuches, pueblo indígena, existente en nuestro país.
About Fondo EsperanzaFondo Esperanza (FE) is a private non-profit organization that supports entrepreneurship by providing micro-credit and training to people living in poverty in well over 100 cities throughout Chile. By providing these services, FE aims to improve the living conditions of the entrepreneurs and their families. In 2010, FE provided loans to more than 41,000 entrepreneurs. It utilizes a communal banking model in which groups of 18 to 25 clients meet on regularly and guarantee each other’s loans. The members use their portion of the loan to create or expand their own businesses. In the group meetings, clients receive training though the FE Entrepreneurship School, which enhances clients’ personal and business skills and ability to work in groups.
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.
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